I have a unique (for me) situation that I have never encountered before. My spouse and I were only covered by an HDHP for Jan-Nov in 2025. I retired in May 2024, and got to remain on my last companies HDHP via COBRA for 18 months. That means it ran out Nov-2025. I got the cheapest plan on the ACA exchange I could find for December (my spouse refused to weather a gap in insurance coverage). The plan I got was a cheapo Bronze plan that amazingly wasn't HSA eligible, and the cheapest HSA eligible plan would have cost $2500 instead of the $1500 I paid.
No biggie, until I started using TurboTax to do my taxes. I can walk it through all of the HSA questions, accept my contributions to Spouse and own accounts ($4858 each) that included a $45.83 return of excess contributions (cause I tried to contribute 11/12 of two individual + 1000 catch-ups instead of 11/12 of family max + two 1000 catch-ups). It all works, and my 1040 looks great etc.
But I am still waiting on a 1099-B and a 1099-INT (although I pretty much know what they will say... confirmed by my oddball W2 that includes the ESPP discount), so I save and exit... one step shy of e-filing.
The bug is in how it saves and then restores the "return in progress". This has happened at least three times: Saying both myself and spouse are covered by a family HDHP for Jan-Nov, but not December breaks it's brain. I can tell immediately because my $1900+ refund that was there the last time I worked on it disappears and is replaced by a $900+ ballance due. So I have to go back through and correct it, even though I now know that it will happen pretty much every time I save and return later.
